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Homeowners insurance sometimes covers roof decking, but it depends on the cause of damage and whether the decking was properly installed. If the roof decking was damaged by a severe storm, then it will likely be covered. Insurance may also pay for roof decking work if building codes require it. However, insurance won’t cover damage caused by normal wear and tear or poor maintenance practices.

Fall is widely considered the best time of year to replace a roof. The moderate temperatures are ideal for roofing crews to work and for new shingles to seal properly. Additionally, autumn weather is often drier, reducing the risk of weather-related delays compared to the rainier spring season.

While spring is also a viable option, the higher chance of rainfall can slow down the project. The main drawback to a fall installation is that it's the peak season for roofers, which can lead to higher prices and scheduling challenges.

To potentially save money, you could consider scheduling your roof replacement during the summer or winter off-seasons. However, both seasons have significant disadvantages. Extreme summer heat can make shingles too soft to handle, while winter's cold, snow, and ice can create dangerous working conditions and prevent shingles from sealing correctly, as they typically require temperatures above 40-45°F.

Generally, hailstones that are one inch in diameter or larger can cause significant damage to a roof. However, smaller hail can also cause damage, particularly when accompanied by strong winds, if it strikes an aging or poorly maintained roof, or if hailstorms are frequent in your area. Hail that is ¼ inch (pea-sized) or smaller poses a minimal risk of immediate, permanent damage, but cumulative impacts can cause deterioration over time. The extent of the damage also depends on the roofing material; hail-resistant tiles like slate or certain types of asphalt shingles can withstand impacts better than other materials. If you are concerned about potential damage after a storm, it is always a good idea to have a professional roofer conduct an inspection.

EPDM roofs have a few common problems, most of which can be resolved with regular maintenance. This type of roofing is laid down in sheets with seams, which can be a starting point for leaks. Proper installation and roof sealing can often avoid seam issues. 

The material is also susceptible to tears and punctures from falling branches or other sharp objects. There are black and white versions of EPDM, and the black version is more prone to fade and succumb to UV damage. Regular roof inspections can protect the costs of rubber roof installation and extend the life of your roof.